So much of life operates on a strict calendar. We are regularly confronted with "Quarterly Reviews," "Year-to-Date" performance charts, and heat maps. Life, it can often seem, is easily obsessed with measuring time in fiscal periods and measuring success in percentages. While we certainly pay attention to those metrics at Bespoke, there is a risk that, by focusing so heavily on Return on Investment (ROI), we lose sight of another metric: your Return on Life (ROL). Regardless

South Africa’s asset management industry is undergoing a merger shakeup that is changing the investment landscape rapidly. For investors, this means more than just headlines: it brings uncertainty, the potential for cultural clashes, and the possibility of portfolio changes. The key question is whether this consolidation will reduce choice and value for investors, or create a more resilient industry.

As we enter December, with one month still to go in 2025, there is already much for investors to reflect on. The year began with the inauguration of President Trump, capping a year of elections that saw significant political change across the globe.